I am fairly new at property investing, and have a question on setting up loans.

I have a PPOR and one IP. I am looking to purchase a second IP using equity from my PPOR.

My plan is to increase my current PPOR loan by $100k (still under 80% LVR and will open a new account for the split loan). I also have cash available in my offset account.

My question revolves around how to maximise the amount of money I can use for investment purposes, without risking contaminating either loan. I have read lots about this and gotten advise from my accountant, but am still a bit confused!

Can I use $30 in savings to pay down my PPOR loan, to allow the new, split loan to be $130k? This would be a $100k increase in loan value but would allow more 'deductible' money available. I would leave the $130k sitting as a redraw until I am ready to purchase. Or is there a smarter way to restructure?

My question revolves around how to maximise the amount of money I can use for investment purposes, without risking contaminating either loan. I have read lots about this and gotten advise from my accountant, but am still a bit confused!

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Dont feel alone as it takes a while for the "penny to drop" due to old mindsets still in your head that will work them selves out eventually as you gain experience and therefore confidence.

Can I use $30 in savings to pay down my PPOR loan, to allow the new, split loan to be $130k? This would be a $100k increase in loan value but would allow more 'deductible' money available. I would leave the $130k sitting as a redraw until I am ready to purchase. Or is there a smarter way to restructure?

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This ^^^^^ is correct and you are on the right track.

Just make sure you keep it in a separate loan split and dont use the funds for anything else other than investment purposes.

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